PNB Housing Finance Ltd

PNB Housing Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

PNB Housing Finance Ltd

₹ 753 2.07%
16 Apr 1:03 p.m.
pnbhousing.com BSE: 540173 NSE : PNBHOUSING
About

PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank. [1]

Key Points

Presence
The Co has a pan-Indian network of 94 branches across 64 cities and towns with a cumulative 74,469 Cr worth of AUM. It has 2.6 lakhs active customer base. [1]

Website BSE NSE
  • Market Cap ₹ 19,568 Cr.
  • Current Price ₹ 753
  • High / Low ₹ 914 / 409
  • Stock P/E 14.5
  • Book Value ₹ 547
  • Dividend Yield 0.00 %
  • ROCE 8.25 %
  • ROE 10.0 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 3.53% over past five years.
  • Company has a low return on equity of 9.95% over last 3 years.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -4.52%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 1,887 1,832 1,692 1,583 1,495 1,425 1,411 1,684 1,797 1,636 1,708 1,778 1,755
Interest 1,246 1,151 1,103 1,035 996 931 930 964 996 1,008 1,048 1,057 1,087
342 480 262 247 233 257 158 366 421 275 201 204 216
Financing Profit 298 200 327 302 267 237 323 355 379 353 459 517 452
Financing Margin % 16% 11% 19% 19% 18% 17% 23% 21% 21% 22% 27% 29% 26%
10 2 1 3 0 0 1 -1 0 2 0 2 1
Depreciation 14 14 13 13 13 14 13 13 13 13 13 11 13
Profit before tax 294 188 315 291 254 224 311 340 367 342 447 507 440
Tax % 21% 32% 23% 19% 26% 24% 24% 23% 27% 18% 22% 24% 23%
232 127 243 235 188 170 235 263 269 279 347 383 338
EPS in Rs 8.99 4.91 9.39 9.08 7.27 6.54 9.06 10.13 10.38 10.76 13.38 14.75 13.03
Gross NPA %
Net NPA %
Raw PDF
Upcoming result date: 29 April 2024

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 5,489 7,679 8,482 7,604 6,196 6,527 6,876
Interest 3,537 5,167 5,875 5,101 4,065 3,900 4,199
693 750 1,737 1,253 998 1,217 895
Financing Profit 1,258 1,762 870 1,250 1,133 1,410 1,781
Financing Margin % 23% 23% 10% 16% 18% 22% 26%
0 4 7 16 5 2 5
Depreciation 24 31 66 59 53 51 50
Profit before tax 1,235 1,734 811 1,207 1,084 1,361 1,737
Tax % 32% 31% 20% 23% 23% 23%
841 1,192 646 930 836 1,046 1,348
EPS in Rs 32.86 46.29 25.00 35.96 32.28 40.31 51.92
Dividend Payout % 18% 13% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 4%
3 Years: -8%
TTM: 9%
Compounded Profit Growth
10 Years: %
5 Years: 4%
3 Years: 17%
TTM: 44%
Stock Price CAGR
10 Years: %
5 Years: 2%
3 Years: 34%
1 Year: 79%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 10%
Last Year: 10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 167 167 168 168 169 169 260
Reserves 6,401 7,376 7,830 8,755 9,703 10,845 13,950
53,777 71,859 67,735 59,392 52,961 53,621 53,534
2,670 4,466 3,197 3,077 2,897 2,238 2,569
Total Liabilities 63,014 83,869 78,930 71,392 65,730 66,874 70,313
76 103 251 181 150 146 147
CWIP 10 5 4 2 4 3 0
Investments 2,413 4,561 2,076 2,045 3,483 3,196 4,164
60,516 79,200 76,599 69,164 62,093 63,528 66,002
Total Assets 63,014 83,869 78,930 71,392 65,730 66,874 70,313

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-15,664 -16,617 8,928 6,611 6,254 -1,865
-50 -54 -63 21 -1,475 176
18,464 17,888 -4,386 -8,178 -6,732 301
Net Cash Flow 2,751 1,217 4,480 -1,546 -1,953 -1,388

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 17% 8% 11% 9% 10%

Shareholding Pattern

Numbers in percentages

6 Recently
Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
32.64% 32.59% 32.58% 32.57% 32.57% 32.57% 32.57% 32.53% 32.52% 28.15% 28.14% 28.13%
24.51% 25.86% 25.95% 24.30% 23.96% 23.96% 23.24% 23.64% 24.29% 24.77% 24.81% 24.70%
3.31% 2.95% 3.11% 2.49% 2.33% 2.38% 3.28% 2.98% 3.65% 7.60% 7.72% 7.86%
39.55% 38.60% 38.37% 40.64% 41.14% 41.09% 40.90% 40.85% 39.53% 39.48% 39.32% 39.32%
No. of Shareholders 1,05,9021,05,3251,01,9471,04,3981,19,1871,20,5921,19,9971,18,1471,08,2691,20,1931,19,6311,24,656

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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